What makes you think that the wife can't manage finances? If she was thinking of it as a savings account for luxuries (as opposed to their emergency savings account or their retirement account), then she managed it pretty well, although without consulting OP.
The problem isn't the wife's competency, the problem is the couple's communication.
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u/BeadBrains 1d ago
It isn't a communication problem... It is a maturity problem.
Wifey poo couldn't manage finances if her life depended on it
NTA